The Indiana Residential Care Assistance Program (RCAP) is a state funded program, similar to assisted living, that provides financial support to elderly, blind, or disabled Indiana residents who cannot live alone. Eligible individuals must live in (or be willing to move into) residential care facilities or housing which is licensed by the Indiana State Department of Heath and have an approved RCAP contract from the Division of Aging. The financial assistance under this program may cover the cost of housing, food, and laundry. Select services, such as care coordination, may also be provided for those who need assistance, yet do not need the level of care required to live in a nursing home.
As of the last update, there were a total of 33 residences, 14 county homes and 19 licensed residential facilities that participate in RCAP. These homes and facilities, some of which have assisted living rooms, are found in the following 23 Indiana counties:
To participate in this program, the elderly individual does not necessarily have to be from one of these counties, but they must be willing to move to a care community located in one.
In order to meet eligibility requirements for the Indiana Residential Care Assistance Program, the following requirements must be met:
An individual must meet one of the following criteria:
Be at least 65 years old
Other eligibility requirements are as follows:
Must be an Indiana resident
Must be living in or moving to an approved and licensed housing community
Must not meet the functional criteria established by Medicaid needed to live in a nursing home. In other words, the individual must have care needs on par with those in independent living or assisted living communities, not on par with those in nursing homes. Persons who have greater needs may wish to explore the Aged and Disabled Waiver.
Must not have assets and income that are greater than current Medicaid guidelines. As of 2019, the income limit for single seniors in Indiana living outside of nursing homes is $2,313 / month ($27,756 / year), which equates to 300% of the current Federal Benefit Rate (FBR).
The countable asset limit for a single applicant is $2,000, which includes cash, bank accounts, IRAs, stocks, and bonds. Normally an applicant’s home does not count towards countable assets as long as the individual lives in the home and the equity value is not more than $585,000. However, since this program requires the individual to live in the program's housing, their home's value would be considered an asset unless a spouse remained living on the premises. In addition, non-applicant spouses are permitted to retain assets up to $126,420.
Benefits and Services
Indiana residents who are eligible for the Indiana Residential Care Assistance Program receive financial assistance in the form of an approved daily allowance, which is set up by the Division of Aging. This aids in covering the cost of housing, meals, and laundry at RCAP approved housing facilities. This may include care coordination for those who need a higher level of care. Care coordination might include medication reminders, assessing needs and setting goals, sharing patient information with pertinent parties, and coordinating appointments.